It seems like everyone is in a panic over the economic conditions we are facing today, and rightfully so. My family included. Not too long ago, I was pretty much fired from one of my primary job responsibilities as a mother, grocery shopping and Target shopping for my family. This was a complete knee-jerk reaction by my hubby. But I’m not angry with him, I’m actually breathing a sigh of relief.
I’m not proud of the fact that I spend most of our hard-earned $ at two of my least favorite places to frequent: Harris Teeter and Target. My husband has known for a long time that I’m not the most efficient when it comes to grocery shopping. I never go in with a list because it’s usually a last minute trip like “oh no, we’re out of milk and bread” and then I come out $150 later. It’s not like I buy things that will go bad. We actually throw out very little. But it’s the little extras that go in my cart that have really been adding up lately. You see, I am flawed by design with regard to grocery shopping. I’m a go-down-every-single-aisle kind of gal, just in case I miss something that I absolutely cannot live without. And that’s the problem. You need to go in with a list and get in and out of there or you’re toast. You should also shop the perimeter. You’ll spend WAY less, not to mention it’s much healthier since that’s where all the fresh stuff is. So Randy recognized my weakness and stepped up to the plate. I know, he’s a gem, isn’t he?! He now grocery shops every Wednesday when the new e-Vic specials come out as well as double-coupon days (I’m not a coupon girl only for lack of time, but I’m changing my ways!). We have on our to-do list to do online grocery shopping, but we’re never organized enough to take that initial step. Someday we’ll make it happen!
I have also been banned from Target. This is actually something I have wanted to do for a long time anyway. I’m not a fan of their return policy plus I think Target just makes you feel like you’re getting a good deal. When in reality, their prices are just as high as Walgreens, CVS or even, Harris Teeter. And if you get me in Target, I’ll always pick up an extra pair of jammies, or Halloween decorations or something. These items are not necessities, so I have stayed away for a month and a half or so with a few “cheats” here and there.
I have to say, this system is working for us. Monday and Tuesday meal menus are pretty lame in our house, but we’re surviving just fine. And I’m happy to report that we’ve saved at least $150 a month on groceries. I have been defeated, but am willing to take a hit for the team since it means we’re saving some serious $$!
My other tips:
* For me personally, I have stopped using credit cards. If I can’t pay for it with cash, then I don’t really need it.
* Play Wii or rent movies for date night.
* Carpool when you can – saves a ton on gas.
* Go out to lunch and dinner less often. You’d be surprised at how much lunch in particular costs and can accumulate fast.
* Shop local when you can – we cannot afford to have our local economy shut down. This will exacerbate the problem.
I also turned to our Smarty team to give us all some of their tips on saving $ and I encourage you to do the same.
First up is Tracy, our Smartiest saver of all! Let’s not forget her eVic post a while back when she actually went shopping at Harris Teeter and got a refund from all of her savings! She also gave us tips on saving with credit cards.
“I am a retail store discount junkie! I actually make a game out of how much money I can save when I go shopping. I’m talking about those little deals that come in the mail where you get 20% off your entire purchase during a certain time or save $25 if you spend a certain amount. And my favorite is when stores like Gymboree or the Loft give you “bucks back” for a future purchase based off what you are buying today. Usually this ends up being half off your future purchase, even after sale prices!!
The best way to get these deals is to sign up for that stores credit card. Now, I hesitate to encourage anyone to sign up for another credit card and risk putting yourself in debt during times like these – you MUST be diligent about paying off your bill when it comes or you negate any savings you rack up in interest charges! BUT – if you do it right, you really can save a lot!
For example, I have an Old Navy card which is good at Old Navy, Gap, Banana Republic and Piperlime (shoes) and the deals are usually good at all 4 stores as well. Every time I use my card at one of those stores, I earn points toward $10 Bucks Back coupons. Plus they send me extra coupons in the mail and often you can get free or discounted shipping for online purchases! Ann Taylor is another card I have that frequently sends coupons for 20% off or $$ discounts. Plus they also just added a points program to reward you for your purchases.
A couple other tips …
* Those Bed, Bath and Beyond coupons never expire! Hold on to them and use a bunch at one time.
* Many stores will honor competitors coupons, just ask!
* When shopping online, Google that store and add the word “coupon” at the end and you’ll be amazed at the deals you can find that way.
* And finally, to keep all these great deals organized so you don’t forget about them or lose them in the bottom of your purse (happens to me all the time), get a cheap little photo album that you can slip your coupons in and easily flip through your deals at any given time. I just keep that in my purse so if I’m ever out and about, I’ll have all my deals with me!”
Next up is Dana, our green Smarty saver:
“I am trying to cut back this fall especially with the recent state of the economy. Here are some examples we try to follow in our household”:
* Shop consignment stores.
* Rent movies on demand for “date night” instead of going out.
* Cook much more at home, less take out.
* We use reusable towels/cloth napkins versus paper towels to save money and trees.
* Use cloth diapers, I spend less on disposable diapers.
* Try to consolidate shopping trips = less pollution, less gas.
* I actually dropped our gym membership because we never go. We have been exercising outside, especially with this incredible weather.
* We are going to make alot of our Christmas gifts this year and/or pick names. Keeping it simple!
* Reduce consumption of goods= less waste. Ask yourself, do you really need this?
* Shop the farmer’s markets.
* Less traveling overall.
Here is Jenny, keeping it simple:
“I go to Costco with a strict list and do not deviate. I only buy the things that I would buy if I was in Harris Teeter. Otherwise I get spend too much on things I don’t need. My list includes baby wipes, Apple Juice, Orange Juice, Waffles, Cereal, Pretzels, Cereal Bars. This way, when I go to grocery store, I just buy fresh foods like meat, fruit and vegetables for the week. It is much less waste and buying things in bulk that are not perishable, allows me to keep my weekly bills down.”
Share your Smarty tips! We could all use a little help:-)
Hey guys – Jen P here. Having a little technical difficulty with allowing comments to be posted. Bear with us! We do want to hear from you, especially today when we all need a little help on savings tips – we’ll get it fixed:-)
OK, it’s fixed for the most part – thanks for your patience!
17 comments
can you read this courtenay?
A smarty tip to save time and money – can’t beat that! I’ve got a 2 year old with special needs, who would be a handful in and of itself, but I also work full time, as does my very helpful husband. When I went back to work after our son came home from his 11 week stay at the NICU, things were crazy for a while when it came to grocery shopping, meal planning and house keeping. I tried a wide variety of tricks, but nothing worked – we would spend hundreds at the store, and I was always disgusted when I cleaned out the fridge with the amount of wasted food. I also would go to clean the shower and realize that there is no cleaner to be had – my husband cleaned last and did not tell me we were out of Tilex. I finally found something that worked for me, with a little help from my girlfriend, Vidalia, in Raleigh. It started with housekeeping. I keep a magnetic notepad on the side of the fridge, with a pen next to it, to make the shopping list. I also bought a pad of weekly calendar sheets that are magnetic, where you fill in the month and date, but you can also write appointments, activities, etc., on each date. My current calendar has 40 weeks of pages, so I sat down and wrote in the next 40 weeks of dates one afternoon when my son was napping during a Wake Forest football game. Honestly, that’s the most tedious part. First, I took the house cleaning, including laundry, and split it up into 7 activities, with some repetition (vacuum the upstairs, vacuum the down stairs, dust upstairs, dust downstairs, clean bathrooms and mirrors, clean the kitchen, and laundry). I then spread the tasks over 2 weeks, Monday through Thursday, with laundry being on Tuesdays and Thursdays. I found that if I tackled 1-2 loads of laundry two days a week, and one household task each night, I did not spend my weekends cleaning my house. I do have changing sheets and towels as one Saturday activity, and the other Saturday is poop-scooping the yard (daylight is needed for that task). Some times the task doesn’t get done, but on average, my toilets are cleaned once a month, and I’m best about the laundry so that I’m not spending my weekend folding clothes. When I am low on a cleaning supply, I put it on the list on the fridge. And by having the list of “tasks” posted, my husband knows what needs to be done that day too, and he is more likely to help! But the bigger money saver and time saver was with menu planning. I sat down and came up with 4 weeks of main courses (25 – weekends we have time to ponder or be creative, weeknights we do not!) and spread them out over 5 weeks on that same calendar. (if you want it, please feel free to respond and I’ll give you my list) For example, in our house, Monday night is always pasta night. We can all come up with 4 different ways to eat pasta, even if it is just 4 different pastas or different sauces! We also eat breaded chicken patty sandwiches (baked, not fried, it’s cleaner and healthier) with French fries twice every 4 weeks (once plain, once with buffalo sauce), and hot dogs with mac-n-cheese too. If I try something on a weekend that works, then I add it to the rotation, either taking something off, or just adding to the list, and I have more food to choose from. When I stared I only had 4 weeks of menu options, and now I have 5, and I’m trying to work on a 6th! My “task” Friday night, every week, is to make the grocery list for the next week. I look at what the next week’s menu is, decide what sides will be served, and look to see if we have all of the ingredients for each meal, and if not, put them on the grocery list. Then I transfer the menu from the current week to the next empty week on the calendar, and every 5th week we’re eating the same thing, but it’s spread out enough that it doesn’t feel like we’re eating the same thing over and over My most recent addition to the process is to check to see if I have a coupon (my husband clips them on Sunday) and mark the items on the list where we have them because many grocery stores, like Harris Teeter, do double coupons $0.99 and lower, and this way I know in advance if I need to look for a particular brand of item. Saturday morning after breakfast I take my list and head to the store. I’ve gotta say, it has made a world of difference in our food budget and our health. It saves time because I’m not having to think about what I’m feeding everyone for the week on Saturday morning while I’m at the store, and by essentially creating the menu weeks in advance, and money because I shop by the list. Hope this is helpful! Betsy (PS – I couldn’t get the comment to post with my name and email, so if you have any questions, you can email me at betsysprenger@carolina.rr.com)
Thanks so much for the above post. Those are some great ideas. Harris Teeter online has been a lifesaver for us. One, it saves time. I just pull up to the drive in-push the button and out come my groceries. It is also so much easier to watch my budget online since it keeps tab of your total every time you add something. For $4, it is so worth it to me!!
I recently signed up for “The Grocery Game” at http://www.thegrocerygame.com. Each week it generates a list which combines coupons and grocery store specials (I linked my account to Harris Teeter) to show you when and how to get items at very low prices or for free! Also lets you know when certain coupons are about to expire. Saves me a ton of time and membership only costs a few dollars a month (you can do a 4-week trial for $1). We have cut our grocery bills in half.
Betsy- Thank you so much for sharing! Menu planning is something that I really struggle with, and you have given me the motivation to just get it done!For money saving on groceries, I have recently started shopping at Aldi for about 60-70% of our weekly groceries. I admit that it took me a couple of years to “get up the nerve” to shop there, but now there is just no turning back! I have only come across 1 product that my family did not like (frozen rising crust pizza). They are owned by the same company that owns Trader Joe’s, so that helped push me along to them as well! 🙂 As an added bonus, my kids actually like going grocery shopping with me, as the prices are so cheap that I will let them pick out 1 item for themselves. Surprisingly, the meats are fantastic and very fresh that I have had from there, as well as the produce. Just remember to take your bags and bring a quarter to get a buggy!I also have cut out my daily running errands. I try to consolidate it all into 1 day or coordinate with getting my daughter to dance class 2 times a week. I am shocked by how much gas I am now saving.Additionally with the groceries, I also joined the grocery game online and save HUGE at the Teeter with that. http://www.thegrocerygame.com
Buying groceries at Super WalMart (multiple locations in Chlt.) is a HUGE money saver for our family. We used to always shop at Harris Teeter and now are literally stunned when we are back at HT and we compare prices on items. WalMart truly has nearly everything that HT does and the savings is unbelievable. Example- $1.75 difference between Kashi cereal at WalMart vs. HT, almost $2 difference on BallPark Turkey dogs, $1.25 difference on Smuckers Organic Peanut Butter. Only downside is that while WalMart does sell organic milk (Stoneyfield brand), they don’t sell it in gallons like at HT and to buy 2 half gallons there is more expensive than 1 gallon at HT, so we do get our milk still at the Teeter. I can’t say that I am a big fan of WalMart’s corporate practices (big box store/wasn’t great abt health care for employees in the ’90s/etc) but these days, I pretty much have to ignore those feelings because the savings is so, so helpful to our family.
I have to agree and disagree about Target. I agree that you can end up spending money there that you don’t need to, but if you stick to a list, for the most part their prices are cheaper than Harris Teeter. When I’m there, I load up on grocery basics like cereal, granola bars and juice boxes, which are always cheaper than Harris Teeter. Plus, they have such cute and cheap clothes for kids. I’ve never had a problem with returns there – they give you 90 days, and you don’t need a receipt (they can look it up with your credit card).
Wow- you ladies are really good! We get wine at Aldi (~$3 per bottle) and my hubby has been telling me that we need to shop for other stuff there. I will now give it a try! Thanks for the tips!
The cracked peppercorn pork tenderloin from ALDI is to die for! My husband doesn’t even like pork and loved this! The “Clancey’s” brand cheetoes were not so good…..kids even noticed, but the other chips that we have tried from the “Clancey’s” line have been great.
where is Aldi? i’ve never heard of it but am now intrigued!
It is generally not in the greatest of places….there is one on Cherry Road in Rock Hill, SC, one at Tyvola and South Blvd, Freedom Drive and South Tryon.
Target will only let you make 2 returns a year without a receipt (for a purchase made on a credit card). I know this first hand as I always lose my receipts and was denied this last time because they said I had gone over the limit.
Lately I’ve been on a major saving money kick and today I was thrilled to get some of what I spent a few weekends ago back! My mom and I did some MAJOR Christmas shopping at Toys R Us two weekends ago so to avoid the holiday shopping madness. Today I about cried when practically every item we bought was in the flyer on sale! Instead of feeling defeated or logging it all back to return and then buy again cheaper, I called the store and the manager told me just to bring my receipt in for a price adjustment. Nice! It was so worth the gas to go and get $40.00 back..if only he’d thrown in the $10 gift card they’re advertising this week when you spend more than $50 which I had done but hey…I still have more money in my pocket than I did before I called!
there is also an Aldi in Matthews. it is bare bones but very worth it. you can save soooo much money on snack foods and canned goods if you don’t want to try meats and produce. Teeter is definately a racket. I heard that they intentionally up their prices because they are targeting basically the stay at home mom who doesn’t have time to price shop and wants the store to look nice! no denying the looks and customer service of HT but so worth saving the major bucks to buy elsewhere! besides Trader Joes is fabulous for deals and great food of course!
Regarding Target, if you end up using your two returns without a receipt, you can always use your husbands driver license number for two additional returns.
I always use my Target card, which gives me 10% coupons throughout the year. You have unlimited returns without receipts for purchases on a Target card.
Thanks for your post Besty, I am going to e-mail right now!!Jennifer Hoyle